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Why You Shouldn’t Talk to an Insurance Adjuster without an Injury Lawyer

When you suffer a significant physical injury in an accident, it’s essential to be careful who you talk to and what you say. I know it’s a harrowing and stressful situation, but you must understand the insurance adjuster’s role in potential claims. 

It’s their responsibility to minimize it and, if possible, even make sure that you can’t claim from the insurance company. Understanding this will help you steer your way through difficult and tricky questions.

The fact that an insurance adjuster contacts you is a good indication that they know you have a strong case to claim from them. Let’s look at a few viable reasons why it’s better to talk to an insurance adjuster with your personal injury lawyer present. 

Insurance Adjusters Will Try To Extract Information To Use Against You

Insurance companies are typically in the business of making money for their shareholders. Sadly it also means that they aren’t overly generous. 

The primary way in which they can ensure making profits is to minimize insurance claim payouts. The insurance adjuster’s role in all of this is to resolve claims and, where possible, pay as little as possible. A well-trained adjuster will quickly come across as having a friendly and caring conversation with you in your distress. All the while, he is building a case against you to minimize, delay, or deny your claim.

You should avoid making a recorded statement at all times. 

They will attempt to say “the call was recorded for quality purposes” or similar statements. They record you hoping you’ll compromise your case. Here’s a list of things you should avoid discussing with an insurance adjuster:

  • Don’t admit fault.
  • Don’t talk about your injuries. 
  • Don’t let them make you feel rushed. 
  • Don’t give out your social insurance number.
  • Don’t talk about pre-existing injuries. 
  • Don’t provide references.
  • Don’t be too friendly. 

Insurance Adjusters Will Ask You to Sign Documents

Insurance Adjusters Will Ask You to Sign DocumentsPart of an insurance adjuster’s role is to get you to sign documents that take away your right to get better compensation. You can follow these tips to avoid doing so:

  • Avoid signing any documentation if your lawyer hasn’t given you the go-ahead.
  • Don’t let yourself be confused or coerced into settling for less than what you are due in compensation.
  • Note that, before signing any documents, you wish to speak with a personal injury lawyer to allow them to review the records.

Insurance Adjusters Will Convince You Not to Hire a Lawyer

Keep in mind that an insurance adjuster might try and talk to you before you have time to employ a lawyer. They do it in order to convince you that they have a good offer for you without the expertise of a lawyer. 

They will try to convince you that a lawyer will cost you additional expenses that’ll be deducted from your final payout and that it’s not worth it for the long run. This reasoning isn’t valid. Yes, your lawyer will receive a part of the settlement, but you will receive a substantially bigger settlement. It’s a fair outcome that’ll benefit you and your lawyer.

A good way to avoid this scenario is to tell the insurance adjuster that you need time to talk to your lawyer, and you will contact them later.

Remember that you can get a free consultation with a personal injury lawyer to explain your options on the road to recovery after a car accident and trauma.

Types of Expenses in Personal Injury Cases

Types Of Damages In a Physical Injury Claim

  • Medical Bills
  • Emotional Distress
  • Lost Wages
  • Pain and Suffering
  • Lost Earning Capacity
  • Loss of Consortium
  • Replacement Services

Driving Under the Influence Lawsuit

  • You can lose your licence temporarily
  • Fines and other fees 
  • Increased insurance premiums Court can mandate community service 
  • Compulsory drunk driving education programs
  • Jail time

Common Types of Car Accident Injuries 

  • Mild Traumatic Brain Injury
  • Whiplash
  • Internal Bleeding
  • Post-Traumatic Stress Disorder
  • Herniated Disc
  • Fractures

Some injuries take months or years to heal. If you accept a settlement before you have fully recovered, you may be losing out on compensation. 


“If you have been in a serious accident, you must be cautious about who you talk to and what you say. Insurance adjusters can use any statement you make against you.”

Insurance Adjusters Will Tempt You To Settle Quickly and Cheaply

Insurance Adjusters Will Tempt You To Settle Quickly and CheaplyThere’s no better way of saying it, but insurance adjusters would want to find out how little it will cost to make you go away. They will tempt you with a quick, lowball settlement before you fully know your injuries and how much your claim is worth. Until you have a lawyer, they will be discounting the actual value of your claim. 

Usually, an insurance adjuster may make an offer to settle the case as soon as possible. They typically offer less than the actual damages that the victim suffered. In some cases, insurance adjusters may appear friendly to the accident victim and act concerned about the victim’s injuries. That may be a facade to get you to slip up and say something that will hurt your case.

Hire A Personal Injury Lawyer

Insurance adjusters know lawyers make their jobs harder. In reality, hiring a personal injury lawyer is a safe way to make sure your insurance company treats you fairly. An insurance adjuster also leads you to believe that settling quickly is preferable to consulting a lawyer or learning your rights. 

If you got injured in an accident, you might have questions that we can assist in answering. You have the right to seek compensation for your losses and your ability to enjoy everyday life.  

If this is the case, contact an experienced Alberta car accident or personal injury lawyer from Diamond and Diamond to help you with your case.

FAQs on Why You Shouldn't Talk To An Insurance Adjuster Without An Injury Lawyer

Can I Sue an Insurance Adjuster for Forcing Me to Provide Information After an Accident Resulting in Injury?

There are instances when you may sue an insurance adjuster for violations of the Consumer Protection Act. Speak to your personal injury lawyer at Diamond and Diamond to determine your case.

When an Insurance Adjuster Examines a Car Accident, How Do They Determine Damage?

They closely examine the vehicle and all the information available regarding your injuries. They will speak to experts to determine the extent of your injuries, the healing time required, and how it will affect you financially.

What Is the Insurance Adjuster's Method of Calculating Pain and Suffering?

They use the multiplier method. It’s an equation used by insurance companies and a common way to calculate pain and suffer damages. They add up all actual damages and multiply that number by a number between 1.5 to 5.

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